Craig,
You are 20 years younger than I am. Having worked much of my career as a sole-proprietor, there were years when I barely had enough to simply pay my income and self-employment taxes and wasn't able to sock away IRA or Keogh contributions.
I would like to respectfully remind you that your affluence is showing. Had social security been scrapped when I was in my 40s you can bet I would have put away the same amounts I paid in self-employment tax and would have gotten a better return on my investment.
Your comments may have been intended as tongue-in-cheek. But not everyone will perceive them that way.